Financial insights of SYF-PB

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans (note 4)	5,413	5,548	5,510	5,328
Interest on cash and debt securities	190	186	221	258
Total interest income	5,603	5,734	5,731	5,586
Interest on deposits	770	781	812	855
Interest on borrowings of consolidated securitization entities	106	104	105	104
Interest on senior and subordinated unsecured notes	92	88	94	106
Total interest expense	968	973	1,011	1,065
Net interest income	4,635	4,761	4,720	4,521
Retailer share arrangements	1,070	1,094	1,024	992
Provision for credit losses (note 4)	1,335	1,442	1,146	1,146
Net interest income, after retailer share arrangements and provision for credit losses	2,230	2,225	2,550	2,383
Interchange revenue	264	289	272	268
Protection product revenue	161	156	149	144
Loyalty programs	361	399	368	360
Other	69	80	74	66
Total other income	133	126	127	118
Employee costs	515	575	503	509
Professional fees	209	243	240	236
Marketing and business development	114	148	120	127
Information processing	262	239	226	215
Other	216	194	159	158
Total other expense	1,316	1,399	1,248	1,245
Earnings before provision for income taxes	1,047	952	1,429	1,256
Provision for income taxes (note 12)	242	-	352	289
Net earnings	805	-	1,077	967

Basic EPS	2.29	5.166	2.89	2.51
Diluted EPS	2.27	5.095	2.86	2.5
Basic Average Shares	342,400,000	352,300,000	365,900,000	376,200,000
Diluted Average Shares	346,000,000	357,200,000	369,900,000	379,100,000

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.